If you've been in an accident with an uninsured driver, you may be in a position where you are forced to rely on your own insurance company to cover the full value of your medical costs and vehicle repairs.

Underinsured motorist insurance and uninsured motorist coverage in Texas are not a requirement of the law; however, having this additional, optional insurance coverage on your policy will protect you in the event of a hit and run or a collision with an underinsured or uninsured motorist, provided you have an Austin accident report.

Although Texas law requires that all drivers have insurance, some do not carry enough to cover the value of the damage that can be caused by a serious accident and still others do not have any insurance coverage at all.

Underinsured and uninsured motorist coverage in Texas cover:

the medical expenses;

the vehicle repairs;

the lost wages; and

the other accident-related expenses.

Generally, the amount of coverage these policies give is commensurate to the amount of coverage you have in your normal bodily injury policy.

If you are injured in a hit and run - even as a pedestrian - you will be covered under your uninsured or underinsured motorist coverage up to the limits of your standard bodily injury policy.

If you're unsure whether or not you have this additional coverage option on your policy, contact your insurance provider. If you have been injured in an accident with an uninsured or underinsured driver, get an Austin accident report and contact an attorney who can help.

Not every accident case requires the help of an attorney and we can help you to determine whether yours is one of those cases! If you are ready to get started with your case, we urge you to contact our team of Texas personal injury lawyers today for a FREE case evaluation - 512-472-7799.